John Lewis is a financial advisor with J.P. Morgan Securities in Santa Clara, CA, holding a Series 66 credential and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has served as a trustee for family revocable trusts managing residential rental properties. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver comprehensive advisory and brokerage services.

Yiukong Lau is a financial advisor with Mass Mutual Investors Services in San Jose, CA, holding Series 63 and 65 licenses and bringing 10 years of industry experience. His prior roles include positions at NYLIFE Securities LLC and New York Life Insurance Company, as well as experience with Farmers Insurance and rideshare companies Lyft and Uber. Outside of his advisory work, he is also active as an insurance broker specializing in life, disability, long-term care insurance, and fixed annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs, utilizing software tools and a collaborative approach to help clients address their financial goals.

Christopher Phillips is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, Merrill, Fidelity, New York Life, and other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Luis Ruelas is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and Bank of America. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with affiliated brokerage, distribution, and investment management capabilities.

Caitlin Luttrell is a financial advisor at Raymond James Financial with 10 years of industry experience. She holds the Series 66 designation and has been with Raymond James Financial Services Advisors Inc. since 2016. Based in Los Gatos, CA, her career has been focused at Raymond James Financial entities. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and public entities. The firm offers financial planning and non-discretionary investment consulting supported by firm research and an extensive affiliate network, emphasizing advisory and implementation-support services.

Namal De Silva is a financial advisor at Charles Schwab with 17 years of industry experience. He holds a Series 66 designation and has worked previously at TD Ameritrade for 20 years. De Silva is also a property owner in San Jose, California. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Joseph Bummer is a financial advisor with Morgan Stanley in San Jose, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2009 and at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved methodologies in its financial planning process.

Yuliya Kuzmenko is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds the Series 66 designation and has worked within various Morgan Stanley entities since 2015. Outside of her advisory role, she operates a retail and online store business. Morgan Stanley Wealth Management offers a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process employs structured discovery conversations and advanced modeling tools, serving clients in both advisory and brokerage capacities.

Quyen Nguyen is a financial advisor with Morgan Stanley in Mountain View, CA, holding a Series 66 credential and seven years of industry experience. Nguyen has worked at Morgan Stanley and Morgan Stanley Private Bank since 2017. Outside of advisory work, Nguyen is involved in commercial real estate investment through ownership and partnership roles in several related entities. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies.

Danielle Aldama is a financial advisor with Morgan Stanley in Palo Alto, CA, holding a Series 66 license and bringing 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, Aldama is involved in independent sales of hair care products and jewelry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs with a focus on tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Andrew Le is a financial advisor with UBS Financial Services in Palo Alto, CA, holding the Series 66 designation and over 25 years of industry experience. He has been with UBS Financial Services Inc. since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Bang Tran is a financial advisor with Merrill in San Jose, CA, holding a Series 66 designation and 16 years of industry experience. He has been with Merrill and Bank of America since 2011. Outside of his advisory role, he is a co-owner of a rental property with family members. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Tina Ma is a financial advisor with LPL Financial in Cupertino, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with LPL Financial since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios and research from LPL and third-party subadvisors.

Quyen Nguyen is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill and Bank of America, Nguyen held roles in a variety of industries, including education and retail. Nguyen is currently affiliated with San Francisco State University as well. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors.

Stanford Law is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. He has been with Fidelity for over 18 years, progressing through roles including Financial Consultant and Investment Consultant since 2006. His professional focus is on wealth planning, working closely with clients and families to help them achieve their financial goals. Stanford holds a California Insurance License, supporting his expertise in financial and wealth planning services. Outside of his professional work, he enjoys activities such as baseball, football, golf, traveling, and spending time with his family.

David Davis is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 24 years of industry experience. His career includes roles at Avantax Investment Services, Avantax Advisory Services, and 1ST Global Advisors, among others. Outside of advising, he serves as a trustee for multiple trusts and is a principal at Johanson & Yau Accountancy Corp, providing tax and accounting services. He also holds a board member position with BKR International, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or construct custom strategies.

Ashley Nguyen is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 17 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Nicole Gatiss is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and three years of industry experience. She previously worked at Fidelity Investments from 2022 to 2024 and joined Charles Schwab and Charles Schwab Bank in 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts and financial planning services. The firm offers a combination of non-discretionary and discretionary investment options, supported by multi-asset model portfolios and a centralized operational structure.

Ana Le is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at U.S. Bank, U.S. Bancorp Investments, Inc., and Unionbanc Investment Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broader set of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Tiffany Le is a financial advisor with Charles Schwab in Campbell, CA, holding a Series 66 license and 16 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2010. Outside of her advisory role, she is the sole owner of The Mastic LLC, a company that provides residential rental services. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and integrates centralized custody, brokerage, and cash-sweep services.